Mumbai, March 25: The Employees’ Provident Fund Organisation (EPFO) has streamlined its services to allow members to access their retirement savings data without the need for a traditional web portal login. Recognising that many employees struggle with forgotten passwords or limited internet access, the EPFO now provides three primary digital and offline methods, Missed Call, SMS, and the UMANG app, to provide instant balance updates.

While the online portal remains the comprehensive hub for formal claims and transfers, these mobile-first alternatives have become the preferred choice for quick status checks. According to tax experts, the shift toward "no-login" services is part of a broader push for financial transparency and ease of access for India’s workforce. To utilise these features, employees must ensure their UAN is linked to their current mobile number and that their Aadhaar, PAN, or bank details are updated in the EPFO database. How To Merge Multiple PF Accounts Online: A Complete Guide.

The Missed Call Service: Instant Updates

The most accessible method for checking an EPF balance requires only a simple phone call. Members can dial 99660-44425 or 77382-99899 from their registered mobile number. The call will automatically disconnect after two rings, incurring no cost to the user.

Shortly after the missed call, the EPFO system sends an automated SMS to the user. This message includes the member’s name, date of birth, the last contribution made by the employer, and the total balance available in the account. This method is particularly effective for users with basic feature phones or those in areas with poor data connectivity. PF Withdrawal Tips: List of 5 Basic Requirements You Must Fulfil To Withdraw Provident Fund via EPFO Website.

Checking PF Balance via SMS

For those who prefer a text-based query, the EPFO offers a dedicated SMS service. Users must send a message in a specific format to 77382-99899. The standard format is 'EPFOHO UAN ENG', where "ENG" represents the language preference.

One of the key advantages of this service is its multilingual support. The system can provide balance details in English, Hindi, Punjabi, Gujarati, Marathi, Kannada, Telugu, Tamil, and Malayalam. By changing the last three letters of the SMS code (e.g., 'HIN' for Hindi), users can receive their financial data in their preferred regional language.

The UMANG App: A Digital Passbook

For employees who prefer a visual interface, the UMANG (Unified Mobile Application for New-age Governance) app serves as a comprehensive digital tool. Once the app is installed, users can navigate to the "EPFO" section and log in using an OTP sent to their registered mobile number.

Unlike the offline methods, the UMANG app allows users to view their entire EPF passbook, track the status of pending claims, and monitor monthly deposits from multiple employers. This method provides a more detailed historical view of the account compared to the "latest balance" snapshot provided by SMS or missed calls.

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(The above story first appeared on LatestLY on Mar 25, 2026 03:20 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).